Online Dodge Durango Insurance Rates [Coverage Guide]
Dodge Durango insurance costs $120/mo or $1,440/yr, which makes Dodge Durango insurance rates around $79 less/yr. Teenage drivers will pay up to $483.58/mo or $5,263/yr on Dodge Durango insurance, while good drivers may only pay $70.50/mo or $846/yr on Dodge Durango insurance costs.
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Written by
Rachel Bodine
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Reviewed by
Leslie Kasperowicz
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UPDATED: Oct 30, 2020
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Key takeaways:
- Full coverage costs around $1,440 a year or $120 each month
- A liability-only policy costs around $577 a year or $48 each month
- Highest rates are for teenage drivers at around $5,263 a year or $439 each month
- Good drivers can save as much as $594 a year by earning policy discounts
- Dodge Durango insurance costs around $79 less per year than the average vehicle
Dodge Durango insurance rates are slightly less than the average vehicle with full coverage costing around $1,440 a year or $120 a month. Owners of an older Dodge Durango may opt for liability-only coverage which costs around $577 a year or $48 a month.
Good drivers can save up to $594 a year in policy discounts by practicing safe driving habits. Let’s take a closer look at Dodge Durango insurance rates, safety features, and more.
You can start comparing quotes for Dodge Durango car insurance rates from some of the best car insurance companies by using our free online tool now.
Table of Contents
Dodge Durango Insurance Cost
The average Dodge Durango auto insurance rates are $1,440 a year or $120 a month.
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Are Dodge Durangos Expensive to Insure?
The chart below details how Dodge Durango insurance rates compare to other SUVs like the Chevrolet Tahoe, Toyota Highlander, and Nissan Pathfinder.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Dodge Durango | $348 | $562 | $372 | $1,440 |
| Chevrolet Tahoe | $336 | $532 | $372 | $1,398 |
| Toyota Highlander | $332 | $512 | $390 | $1,392 |
| Nissan Pathfinder | $294 | $452 | $390 | $1,294 |
| Kia Sorento | $322 | $562 | $372 | $1,414 |
| Chevrolet Suburban | $336 | $532 | $372 | $1,398 |
| Jeep Grand Cherokee | $322 | $562 | $372 | $1,414 |
However, there are a few things you can do to find the cheapest Dodge insurance rates online.
What Impacts the Cost of Dodge Durango Insurance?
You might have noticed that there is a multitude of factors that impact Dodge Durango car insurance rates. Your age, location, driving record, and model year all play a role in what you will ultimately pay to insure the Dodge Durango.
Age of the Vehicle
The average Dodge Durango auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Dodge Durango cost $1,440, while 2011 Dodge Durango rates are $1,200, a difference of $240.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Dodge Durango | $348 | $562 | $372 | $1,440 |
| 2019 Dodge Durango | $332 | $542 | $390 | $1,422 |
| 2018 Dodge Durango | $320 | $536 | $398 | $1,412 |
| 2017 Dodge Durango | $308 | $524 | $416 | $1,406 |
| 2016 Dodge Durango | $298 | $502 | $430 | $1,388 |
| 2015 Dodge Durango | $282 | $484 | $442 | $1,366 |
| 2014 Dodge Durango | $270 | $450 | $452 | $1,330 |
| 2013 Dodge Durango | $260 | $424 | $456 | $1,298 |
| 2012 Dodge Durango | $248 | $380 | $460 | $1,246 |
| 2011 Dodge Durango | $232 | $350 | $460 | $1,200 |
Driver Age
Driver age can have a significant impact on the cost of Dodge Durango auto insurance. For example, 20-year-old drivers pay approximately $1,761 each year for their Dodge Durango auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Dodge Durango insurance rates. For example, drivers in Jacksonville may pay $864 a year more than drivers in Indianapolis.
Your Driving Record
Your driving record can have an impact on the cost of Dodge Durango auto insurance. Teens and drivers in their 20’s see the highest jump in their Dodge Durango car insurance with violations on their driving record.
Dodge Durango Safety Ratings
Your Dodge Durango auto insurance rates are influenced by the Dodge Durango’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Marginal |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Dodge Durango Crash Test Ratings
The crash test ratings of the Dodge Durango can impact your Dodge Durango car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Dodge Durango SUV RWD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2020 Dodge Durango SUV 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2020 Dodge Durango SRT SUV AWD | N/R | N/R | N/R | N/R |
| 2019 Dodge Durango SUV 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2019 Dodge Durango SUV 2WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2019 Dodge Durango SRT SUV AWD | N/R | N/R | N/R | N/R |
| 2018 Dodge Durango SUV 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2018 Dodge Durango SUV 2WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Dodge Durango SRT SUV AWD | N/R | N/R | N/R | N/R |
| 2017 Dodge Durango SUV 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2017 Dodge Durango SUV 2WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Dodge Durango SUV 4WD | 4 stars | 4 stars | 5 stars | 3 stars |
| 2016 Dodge Durango SUV 2WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Dodge Durango Safety Features
The safety features of the Dodge Durango can impact your Dodge Durango car insurance rates. The Dodge Durango has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Child Safety Locks
- Traction Control
Dodge Durango Insurance Loss Probability
The Dodge Durango’s insurance loss ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Dodge Durango, others are more favorable and lead to lower insurance rates.
| Insurance Coverage Category | Loss Rate |
| Collision | -12% |
|---|---|
| Property Damage | 10% |
| Comprehensive | -9% |
| Personal Injury | 4% |
| Medical Payment | -10% |
| Bodily Injury | 0% |
| Source: Insurance Institute for Highway Safety | |
Dodge Durango Finance and Insurance Cost
If you are financing a Dodge Durango, most lenders will require your carry higher Dodge Durango coverage options including comprehensive coverage, so be sure to shop around and compare Dodge Durango auto insurance rates from the best companies using our FREE tool below.
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Ways to Save on Dodge Durango Insurance
You can save more money on your Dodge Durango auto insurance rates by employing any of the following five strategies.
- Park Your Dodge Durango Somewhere Safe – like a Garage or Private Driveway
- Take a Refresher Course as an Older Driver
- Get Cheaper Dodge Durango Car Insurance Rates as a Full-Time Parent
- Consider Dodge Durango Insurance Costs Before Buying a Dodge Durango
- Ask About Dodge Durango Discounts If You Were Listed on Someone Else’s Policy
Top Dodge Durango Insurance Companies
Who is the best company for Dodge Durango insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Dodge Durango insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Dodge Durango offers.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | GEICO | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
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